Frequently asked questions

Registering your Synchrony credit card(s) offers you total control over online account management.

Quickly and easily track account activity, schedule payments, receive e-statements and more — anytime, anywhere, from your computer or mobile device.

You can also take advantage of other great features like access to our convenient MySynchrony mobile app and free Credit Score monitoring.

To register any Synchrony store credit card or Synchrony program card, you will need

• Full account number: It's on the front of your card, on the top right corner of your monthly billing statement, and on the paper that your card was attached to when it was mailed
• Last 4 digits of the primary account holder's Social Security Number
• Date of birth

Register online now.

There's a Sign in button. Select that link to sign in to your account.

• Promotional expiration date
• Promotional balance
• Any deferred or billed interest charges related to these purchases

Sign in to your account. In the Activity section, select Statements, then click Stop Paper Statements to enroll in eStatements. View the Paperless statements page for more information.

You can make a same-day payment until 11:59 p.m. ET. Just follow these steps:

1. Sign in and then click on the Make Payment button
2. Select the payment amount, date and payment source
3. Click Submit Payment for Reveiw
4. Review your payment and click Submit

Look for a confirmation email from Synchrony Bank.

Same-day payments are processed until 11:59 p.m. ET. Follow the steps below to make multiple payments at one time:

1. Sign in then click on the Make Payment button
2. Select the Multiple tab above
3. Fill in the required information
4. Enter up to 12 payments
5. Click Create Payment Schedule

Look for a confirmation email from Synchrony Bank.

Yes. Call us to request a due date change. The number is on the back of your card. Or, you can call 877-295-2080.

Verify with your banking institution that the payment has cleared. If it has, contact us at the phone number indicated on your card and/or statement.

Or, you can call 877-295-2080. Have your payment information ready, including: Payment date, type (check, money order, electronic, etc.), amount, account number and how (address/channel) payment was made (USPS, online, Pay by Phone, In-Store).

If you:
Mailed a check: Check with your bank to see if the check was cashed. If cashed, get a copy of the canceled check from your bank.
Made an online payment through your bank's bill payment service: Check with your bank to find out if they sent the payment to Synchrony Bank. If they did, obtain the details from them of where and how it was sent to us, including if the check was mailed or if the payment was sent electronically.
Made an online payment directly to Synchrony Bank at synchrony.com: Sign in to your account to see if you have any notices that the payment didn't go through properly. Check to make sure the funds were available and the correct account was used.

No. We are only able to reallocate posted or same-day pending payments (when a deferred interest promotion is involved). Please call the number on the back of your card and/or on your statement for assistance. Or, you can call 877-295-2080.

With Autopay, set payments will automatically be deducted from your bank account each month on your payment due date. The payment will be the amount you select: either the Statement Balance, the Total Minimum Payment Due or a self-selected (other) amount.

When you select Multiple Payments, there's more flexibility; you can schedule up to 12 future payments independently, including the date you want the payment to post to your account and the amount. You can also vary the amount, date and payment source for each payment.

1. From the Home Page, select the Autopay-Off link located below the Make Payment button.
2. Click the Enroll in Autopay button
3. Select the payment amount and payment source
4. Agree to the Terms and Confirm Autopay
5. Review your Autopay settings and Submit

You will see a confirmation screen showing your Autopay settings and a confirmation number. We'll also send you a confirmation email to the email address on file for your account.

Yes. If the Total Minimum Payment Due is greater than the selected Autopay amount, then the amount of the Total Minimum Payment Due will be deducted from your bank account. (Total Minimum Payment Due includes the past due amount and current due amount.)

If you have insufficient funds in your bank account, the payment will be rejected for insufficient funds and will not be processed.

It's a simple, fast, secure way to make same-day Synchrony credit card payments online without signing in. You can use it on any connected device, including your smartphone, tablet, laptop or desktop. View the Pay Without Sign In page to learn more.

Wherever you're heading and whatever you're working forward to, you can count on the MySynchrony Mobile App to help you stay on top of the Synchrony credit card accounts you manage at mysynchrony.com—without skipping a beat. Put the power of online account management in the palm of your hand today! Visit the MySynchrony Mobile App page for more information and full FAQs.

It’s a top credit scoring model used by many lenders when they consider whether to approve applications and decide what rates and terms to offer. View the Your Credit Score page to learn more

With a Deferred Interest Promotion, a minimum monthly payment is required, and varies based on your balance and account terms. No interest will be charged on the promotional purchase if you pay the purchase amount in full within the applicable promotional period.

Interest will still accrue at the standard rate for your account. But it is only assessed if you don’t pay the purchase balance within the promotional period. If you only make the minimum payments, you may not pay off your purchase by the end of the promo period. To avoid accrued interest, you must pay in full before the end of the promotional period.

With a Fixed Pay Promotion, a reduced APR is charged on the promotional purchase from the purchase date, and the same fixed payment amount is required monthly.

Interest is assessed on the promotional purchase at the reduced APR, and equal payments are required until the promotion is paid in full. Example: 7.9% APR for 24 months until paid in full.

We calculate the interest charge on your account separately for each balance type. We do this by applying the daily rate to the daily balance for each day in the billing cycle. A separate daily balance is calculated for the following balance types, as applicable: purchases and balances subject to different interest rates, plans or special promotions. See below for more details on how this works.

1. How to get the daily balance:
   We take the starting balance each day, add any new charges and fees, and subtract any payments or credits. This gives us the daily balance. Debt cancellation fees, if any, and late payment
2. How to get the daily interest amount:
   We multiply each daily balance by the daily rate that applies.
3. How to get the starting balance for the next day:
   We add the daily interest amount in step 2 to the daily balance from step 1.
4. How to get the interest charge for the billing cycle:
   We add all the daily interest amounts that were charged during the billing cycle.

We charge a minimum of $2.00 of interest in any billing cycle in which you owe interest. Interest, as calculated above, is added as applicable to each balance type. Minimum interest charges in excess of the calculated interest are treated as a new purchase.

Your payment is due by the Payment Due Date indicated on your monthly billing statement. To avoid late payment fees, pay at least the Total Minimum Payment Due given on your statement.

When making your payment by mail, use the provided payment coupon and allow 7-10 business days for your payment to post.

If you have a Deferred Interest/No Interest If Paid In Full promotional purchase balance:
Pay the entire applicable Promotional Balance by the Promotional Expiration Date.

Note: Deferred interest charges will be shown on each statement, but will not be billed to your account unless your promotional balance is not paid in full on or before the promotional expiration date. If you do not pay your balance in full by the end of the promotional period, interest that has accrued from the purchase date will be charged to the account.

For Non-promotional balances:Pay all non-promotional balance(s) in full each month by your Payment Due Date each month to avoid paying interest.

If your purchase qualified for a Deferred Interest promotion, interest is charged from the purchase date if the promotional balance is not paid in full by the end of the promotional period. Depending on purchase amount, promotion length and payment allocation, the required minimum monthly payments may or may not pay off purchase by end of promotional period.

Synchrony Bank sends monthly statements to you which show the Deferred Interest Charge, and the Promotional Expiration Date. Be sure to make at least the minimum payment each month, and plan to pay your balance in full by the end of the promotional period to avoid having the accrued interest charged to your account.

Check your statements to ensure that you're on track to pay off your balance before the promotional expiration date. For more information, watch this informative video about Deferred Interest promotional financing.

Immediately contact Synchrony Bank’s Fraud Department at 1-866-834-3205.

Report identity theft to the Federal Trade Commission:
Federal Trade Commission website
1-877-ID-THEFT (438-4338)

Equifax
Report Fraud: 1-800-525-6285
Credit Report: 1-800-685-1111
www.equifax.com

Experian
Report Fraud: 1-888-397-3742
Credit Report: 1-888-397-3742
www.experian.com

TransUnion
Report Fraud: 1-800-680-7289
Credit Report: 1-800-888-4213
www.transunion.com

Use our automated phone system, call the Customer Service phone number on the back of your card or call 877-295-2080.

Telephone access for Store Credit Cards: Daily 8:00 a.m. — 12 midnight Eastern Time.

Telephone access for Visa/Mastercard Credit Cards: Daily — 24 hours a day.

We use advanced encryption techniques, including Secure Socket Layer (SSL) technology, to protect the information you provide to us over the internet. You can tell that the session is secure when you see a locked padlock displayed at the top or bottom of most browser windows.

In addition, before displaying any account information online, we verify your identity using your Sign in or Registration information.

Every browser is different. Here are the steps to follow for some of the most commonly used browsers:

• Google Chrome
• Mozilla/Firefox
• Internet Explorer
• Microsoft Edge
• Safari

• Keep all your personal information in a secure place.
• Keep your Social Security Number confidential.
• Shred old financial documents.
• Never give out personal information unless you know who you're dealing with.
• Choose complex passwords and change passwords regularly.
• Watch out for fraudulent emails and websites masquerading as legitimate businesses.
• Be careful what you download online. Free programs may contain spyware and adware.
• Do not answer chain emails.
• Monitor your credit reports.
• Back up critical data.
• Consider investing in PC security software.

You may call us, but telephoning about billing errors will not preserve your rights under federal law. To preserve your rights, please write us at:

FCBI/Billing Error, P.O. Box 965035, Orlando, FL 32896-5035

Please include:

• Your name and account number
• Dollar amount of the suspected error
• Description of problem: describe what you believe is wrong and why you believe it is a mistake

For comprehensive information of consumer credit card rights, review Consumer Information: Disputing Credit Card Charges on the FTC site.

To access the payment portal, visit secured.syf.com. Sign in in by providing your account number, last 4 digits of your SSN, and the zip code on your account (where statements are sent). Within the portal you can make payments on your installment account same-day or you can schedule a payment up to 30 days in advance. To simplify the payment process even more, enroll in autopay by calling our Customer Service number (1-866-220-9432).

• 6 months promotional financing on purchases of $199* or more every day
• Gas whenever you need it, wherever you are, with acceptance at over 200,000 gas stations nationwide across all major gas brands**
• No annual fee1
• Safe and Secure with $0 fraud liability
• Ability to request a credit limit increase2
• Exclusive cardholder discounts
• Convenient monthly payments
• 24/7 secure online account access
• Customizable account alerts

*,**Subject to credit approval

**Minimum monthly payments required. See merchant or synchrony.com/carcare for promotional financing details and merchant locations. Gas station purchases are not eligible for promotional financing.

*Valid everywhere Synchrony Car Care™ is accepted in the U.S., including Puerto Rico. Visit synchrony.com/carcare to find a location.

1For new accounts: Purchase APR is 29.99%; Minimum Interest Charge is $2. Existing cardholders should see their cardholder agreements for their applicable terms.

2Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase.

The Synchrony Car Care credit card is accepted at more than 500,000 auto parts and service businesses and over 200,000 gas stations nationwide. A complete list of participating retailers and gas locations can be found online here.

Simply pay as you normally would—swipe or insert your card at checkout. Promotional financing will automatically be applied to eligible purchases.

It works the same when shopping online. Just enter your Synchrony Car Care credit card account number on the payment form at eligible online retailers.

The Promotional Summary Box on your monthly statement will clearly show the balance for each promotional financing purchase and corresponding expiration date. You can always choose to pay off your promotional balance earlier as well.

Note: Deferred interest charges will be shown on each statement but will not be billed to your account unless your promotional balance is not paid in full on or before the promotional expiration date.

Synchrony Bank sends monthly statements to you which provide Promotional Purchase Summary Information, the Accrued Deferred Interest, and the Promotional Expiration Date. To avoid interest charges on any promotion, the promotional balance must be paid in full by the expiration date. Check your statements to ensure that your payments were received before the promotional expiration date.

To change your email address, address, phone number, other personal information on your account, please visit www.mysynchrony.com.

If you need to change the name on the account, please call us at 866-657-0376 Monday through Friday from 8am — 12 midnight (ET).

Have a question about or want to check the status of a Rebate? Visit SynchronyCarCare.myrebatemanager.com or call 1-855-333-2820; Discount Tire cardholders can visit dt.rebatepromotions.com or call 1-866-892-8078; America's Tire cardholders can visit at.rebatepromotions.com or call 1-866-892-8078.

Note: Rebates cannot be used as a payment method on a Synchrony Car Care account. Rebate Center Hours: M-F 9AM - 9PM EST

• Acceptance at 16,000+ Synchrony HOME partner locations nationwide: The Synchrony HOME Credit Card can be used at partner locations nationwide. Find locations near you with the Synchrony HOME store locator.
• At select Synchrony HOME partner locations, you can take advantage of longer-term promotional financing ranging from 12 -60 months on qualifying purchases. Click here to learn more.
• Everyday promotional financing is available on qualifying purchases anywhere the card is accepted. Get 6 months on purchases of $299 - $1998.99 or 12 months on purchases of $1,999 or more.2

Learn more about the Synchrony HOME Credit Card program.

1Subject to credit approval. Minimum monthly payments required. Promotional financing offers available at the time of purchase may vary by location. See store for details.

2No Interest If Paid In Full Within 6 or 12 months on qualifying purchases with your Synchrony HOME Credit Card. 6 months on purchases of $299 – $1,998.99 or 12 months on purchases of $1,999 or more. Interest will be charged to your account from the purchase date if the promotional balance is not paid in full within the promotional period. Minimum monthly payments required. Qualifying purchase amount must be on one receipt. No interest will be charged on the promo balance if you pay it off, in full, within the promo period. If you do not, interest will be charged on the promo balance from the purchase date. The required minimum monthly payments may or may not pay off the promo balance before the end of the promo period, depending on purchase amount, promo length and payment allocation. Regular account terms apply to non-promo purchases and, after promo period ends, to the promo balance. New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms. Subject to credit approval.

Yes*. Visit MySynchrony.com. Once you register, simply sign in anytime to take control of all your account servicing needs, including credit line increase request.

*Cardholders may be required to provide their annual net income if their recent information is not on file. Cardholder income will be used as a factor to determine eligibility for a credit limit increase.

There is no annual fee^ and it’s safe and secure with $0 fraud liability.

^ New Accounts as of 7/16/24: Purchase APR 34.99%. Penalty APR 39.99%. Minimum Interest Charge $2. A promo fee will be charged equal to 2% of the amount financed on an equal payment no interest promotion of 18 months or more. Existing cardholders: See your credit card agreement terms.

The Synchrony HOME Credit Card offers Pay Without Sign In.View the Pay Without Sign In page to learn more.

Yes. Your Synchrony HOME Credit Card contains an expiration date. Accounts in good standing will be reissued a new card prior to its expiration date. If your account is kept active and in good standing, you will not need to reapply for the Synchrony HOME Credit Card. If your account is closed for any reason, you will need to reapply for the Synchrony HOME Credit Card. If you have any questions, you may call 1-844-335-5909 to speak to a customer service representative.

Synchrony Pay Later provides simple and flexible payment options that allow you to buy now and pay later for the things you want.

• Consumers- Learn more about Pay Later here.
• Business owners- Learn more about offering Pay Later to customers here.

Yes! Both the Synchrony Premier World Mastercard and the Synchrony Plus World Mastercard offer cash back on every purchase, no categories, no limits! Keep checking back for an opportunity to apply for one of our cards, coming soon!

If your Synchrony Mastercard says “World” on the back of the card, you have access to a suite of valuable benefits provided by Mastercard, including complimentary protection of your identity, discounts at valuable services, and access to exclusive events and experiences. Check out all that your World card can offer you here.

Synchrony is always developing new products to help consumers achieve what’s possible. Today, we offer the Synchrony Premier World Mastercard, with 2% cash back and no annual fee,* subject to credit approval. The Synchrony Plus World Mastercard and the Synchrony Preferred Mastercard are currently offered by invitation only.

*For new accounts the Variable Purchase APR are 19.24%, 25.24% or 32.24%. APRs are accurate as of April 1, 2024 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum interest charge is $2.00.

Yes! Download the Synchrony Bank app to get account balance and available credit, view your transactions, and pay your bill.

To manage your Synchrony Mastercard, sign in at mastercard.syf.com or download the Synchrony Bank app.

If you have another card that is issued by Synchrony Bank, find your sign in link here.

You’re one of the lucky ones who can already boast a new Synchrony Mastercard in your wallet? Activating is easy and fast. Simply click here to visit mastercard.syf.com Click “I want to Register”. Then enter your card information to activate.

You can also phone us at 1-855-872-4311.

If you are interested in applying for the Synchrony Premier Mastercard, which lets you earn 2% cash back, apply here.

Here are the ways you can pay your bill:

• Mobile app: download the Synchrony Bank app
• Online: Sign into your account at mastercard.syf.com
• Via phone*: 1-844-406-7427

Remember: set up autopay so your bill due date is never missed!

*A fee may be applied.

Mobile wallets are a way to store payment and passes so that purchases can be made using your smartphone or smart device rather than a physical card. They give you the ability to make payments if you forget your wallet. Apple Pay, Google Pay, and Samsung Pay are three of the most popular applications on smartphones that perform as a mobile wallet.

Apple, Apple Pay and iPhone are trademarks of Apple Inc.

Google and Google Pay are trademarks of Google LLC.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd.

Adding card on mobile wallet is not available on all devices. For a list of compatible devices, visit apple.com/apple-pay, google.com/pay, samsung.com/pay.

To get started with a mobile wallet, first decide which one you want to use. This decision will correlate with your device — Apple Pay for iPhone users and Google Pay or Samsung Pay for Android users.

When you have your physical card, add your credit card information to your mobile wallet (Apple Pay, Google Pay or Samsung Pay) by following the wallet’s prompts to enter the account information.

If you have Instant Provisioning: Immediately after approval, you will be prompted on your mobile device to add your card to your mobile wallet.

To get started with a mobile walldet, first decide which one you want to use. This ecision will correlate with your device — Apple Pay for iPhone users and Google Pay or Samsung Pay for Android users.

Making a mobile payment is simple! Simply, open your mobile wallet, select the card and hold it close enough to the card reader so that your information can be transmitted.

Mobile wallets are encrypted and tokenized to protect your card information, meaning that none of your actual card or account numbers are stored within the mobile wallet. When you add your card to your mobile wallet, that data is converted into a unique code via encryption that can only be accessed by authorized entities.

Yes, adding your card to your mobile wallet means you can still shop and earn rewards without the physical card.

No, there is not a fee to use your mobile wallet.

Yes, you can add your card to multiple mobile wallets and on multiple devices including iPad or smart watch.